Pharmacy Business Insurance


Insurance Coverage for Independent Pharmacy Owners

You’ve invested a lot of time and hard work into becoming a pharmacy owner. With Heffernan Insurance Brokers, you will ensure to protect your business with the most complete pharmacist insurance coverage at the best price.

Our pharmacy-specific insurance program is perfect for the independent pharmacist looking for an experienced insurance broker who can offer a single source package that is tailored for their unique needs.

We offer comprehensive insurance for pharmacy coverage including:

  • Broad Professional Pharmacist Liability Insurance
  • Property Insurance
  • Pharmacy Errors & Omissions / Malpractice / Druggist Liability Insurance
  • Pharmacy BOP (Business Owner’s Policy)
  • Lower Cost Option(s) for Rx Owners
  • High Limits

To speak to one of our Pharmacy Business Insurance Practice Leaders, please contact Heffernan Insurance Brokers today.


Dana Schiller

Dana Schiller

New Business Development – Western Region

Heffernan Pharmacy Business Insurance Practice Leader
D: 925-295-2513



Get Started with Heffernan Insurance!

  • Easy quotes with NO PAPERWORK
  • Locked-in rates
  • Automatic renewal



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Pharmacy Business Insurance

Insurance for Pharmacies to Keep your Business in Good Health.

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Protect Your Independent Pharmacy with Insurance from The Hartford and Heffernan

While the larger world of science and medicine is focused on pharma cures for individuals, we thought it was time to focus on helping make the world better for the retail pharmacies that play a vital role in delivering these solutions.

That’s why we partnered with The Hartford to offer Business Insurance for Independent Pharmacy Owners:

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We know the pharmacy industry is rapidly changing and expanding, and we can help you with these new and challenging areas of your practice. We have extensive experience serving the insurance needs of the independent pharmacist, and as your insurance partner, our professionals will help your business grow and succeed with a healthier bottom-line.

Trusted Partnerships & Accolades

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Pharmacy Development Services Members

Are you a Pharmacy Development Services (PDS) member?

Our pharmacy insurance reviews have discovered most PDS members have business policies that fall short in coverage and charge more than necessary.

Simply download and complete our PDS Members Insurance Review form and email it directly to Dana Schiller for a complimentary pharmacy insurance review.


General Liability for Pharmacies

General liability for a pharmacy and pharmacy owners covers the costs of legal claims (lawsuits) against you or your pharmacy as well as compensation coverage for property damage (owned and third party).

Typical claims may include but are not limited to:

  • Accidents causing injury or property damage, like a slip and fall
  • Libel claims
  • False advertising

This doesn’t cover issues from negligence, however.
Negligence from employees is covered by Errors & Omissions Insurance.

Errors & Omissions Insurance for Pharmacies

E&O insurance is also known as Druggist Liability Insurance or pharmacy malpractice insurance and covers any mistakes that are commonly made by a pharmacist.

Some typical claims that E&O covers include:

  • Dispensing incorrect prescriptions
  • Improper delivery or disposal of pharmaceutical products
  • Improper labeling of pharmaceuticals
  • Erroneous customer consultations

Additional Pharmacist Insurance Liability

Optional and situational coverage may also be applicable to your pharmacy business, including signage insurance, money and securities, employee dishonesty and hired and non-owner auto liability.

Ready for a no-hassle, no paperwork quote?


Go with the Pharmacy Business Insurance Experts. Go with Heffernan.

Dana Schiller

Dana Schiller

New Business Development – Western Region

D: 925-295-2513



Pharmacy Insurance Review Questionnaire
Insurance from The Hartford and Heffernan - Flyer